TellerScore

Central Credit Union of Illinois is a federally insured state-chartered credit union headquartered in Bellwood, Illinois, in business for about 90 years. At the end of Q2 2026 it reported $122.7M in total assets and $103.3M in member shares and deposits, with 2 offices.

Central Credit Union of Illinois has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 96th. Capital cushion contributes the most (93/100, 14.28%); earnings contributes the least (45/100, 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.28%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.19%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity92/100
Loans ÷ shares: 67.8% · 2.8% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (79 → 75), mostly because the loan quality component weakened by 18 points.

TellerScore
738189Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202489
Q4 202486
Q1 202579
Q2 202579
Q3 202578
Q4 202576
Q1 202673
Q2 202675
Net worth ratio
7.00%10.64%14.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.97%
Q3 202413.26%
Q4 202413.24%
Q1 202513.31%
Q2 202513.53%
Q3 202513.80%
Q4 202513.98%
Q1 202614.02%
Q2 202614.28%
Delinquent loans (60+ days)
0.38%0.81%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.38%
Q4 20240.70%
Q1 20250.57%
Q2 20250.67%
Q3 20250.89%
Q4 20251.12%
Q1 20261.24%
Q2 20261.19%
Return on assets
0.51%3.01%5.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20245.50%
Q3 20243.94%
Q4 20243.09%
Q1 20250.85%
Q2 20250.92%
Q3 20250.92%
Q4 20250.85%
Q1 20260.51%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$122.7M14.28%1.19%0.63%67.8%
Q1 202673$123.4M14.02%1.24%0.51%66.6%
Q4 202576$122.5M13.98%1.12%0.85%68.1%
Q3 202578$122.7M13.80%0.89%0.92%69.1%
Q2 202579$123.1M13.53%0.67%0.92%70.2%
Q1 202579$122.8M13.31%0.57%0.85%71.1%
Q4 202486$121.5M13.24%0.70%3.09%74.6%
Q3 202489$119.8M13.26%0.38%3.94%75.5%
Q2 202488$120.8M12.97%0.40%5.50%76.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.28%
81st
Problem loans1.19%
22nd
Net charge-offs0.54%
31st
Return on assets0.63%
41st
Loans to deposits67.8%
65th
Uninsured deposits2.8%
84th
Loan-loss reserves0.00%
50th
Texas ratio4.8%
42nd

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Illinois Educators Credit UnionCredit union Springfield, IL59 out of 100, Moderate$120.3M10.6%0.87%vs
Landmark Credit UnionCredit union Danville, IL66 out of 100, Moderate$119.1M9.9%0.50%vs
A.A.E.C. Credit UnionCredit union Arlington Heigh, IL84 out of 100, Strong$118.9M13.0%0.02%vs
Illinois State Police Federal Credit UnionCredit union Springfield, IL76 out of 100, Strong$126.9M10.3%0.01%vs
Commonwealth Credit UnionCredit union Bourbonnais, IL83 out of 100, Strong$128.1M13.2%0.43%vs
Gas and Electric Credit UnionCredit union Rock Island, IL72 out of 100, Strong$132.1M10.3%0.38%vs

Deposit insurance

Is my money safe at Central Credit Union of Illinois?

Yes. Central Credit Union of Illinois is a federally insured credit union (NCUA charter #60852). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.8% of shares and deposits ($2.9M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.28%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Central Credit Union of Illinois lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Central Credit Union of Illinois reported 60 home-loan applications under HMDA (LEI 2549009PABKV8ZBDH619): 39 originated ($2,615,000 total), 13 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Central Credit Union of Illinois
Type
Federally insured state-chartered credit union
NCUA charter #
60852
RSSD ID
322092
Primary regulator
State + NCUA
Established
1936
Headquarters
1001 Mannheim Rd, Bellwood, IL 60104
Employees
28

Quick answers

Central Credit Union of Illinois: common questions

Is Central Credit Union of Illinois NCUA insured?

Yes. Central Credit Union of Illinois is a federally insured credit union (NCUA charter #60852). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Central Credit Union of Illinois's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Central Credit Union of Illinois have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bellwood

InstitutionScoreAssetsCapitalProblem loansCompare
Pilgrim Baptist Credit UnionCredit union Chicago, IL100 out of 100, Very strong$263K25.8%0.00%vs
Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL100 out of 100, Very strong$10.0M19.4%0.00%vs
M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL100 out of 100, Very strong$418K18.5%—vs
Israel Methcomm Federal Credit UnionCredit union Chicago, IL100 out of 100, Very strong$2.0M15.5%0.00%vs
Western Springs Federal Credit UnionCredit union Western Springs, IL95 out of 100, Very strong$3.9M18.2%0.46%vs
St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$383K15.0%0.00%vs